Cadillac SRX Insurance Rates

What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX? 

Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums. 

How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.

U.S. average insurance rates for a Cadillac SRX are $1,286 a year for full coverage insurance. Comprehensive insurance costs an estimated $242, collision costs $426, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,790 or more. Teens pay the highest rates at $4,956 a year or more.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all SRX models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Cadillac SRX insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $152 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,286
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $296 a year
• High risk drivers with serious driving violations could pay up to $2,790 or more
• The price for full coverage for a teen driver for full coverage can cost as much as $4,956 a year

View Chart as Image

Auto insurance prices for a Cadillac SRX are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Cadillac SRX insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $450 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. Cadillac SRX insurance for high-risk drivers can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Cadillac SRX Insurance

Getting lower rates on Cadillac SRX insurance not only requires being a good driver, but also having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a quick rundown of the data that was touched on in this article.

• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Drivers who want an increased level of liability coverage will pay approximately $510 annually to go from a low limit to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, as much as $413 a month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,500 more annually than a safer driver

We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you? 

More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.

Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.

What are the safety ratings for the Cadillac SRX?

Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more. 

For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle. 

Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5. 

While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.

See the 2016 Cadillac SRX safety ratings below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.

Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected. 

The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.

Cadillac SRX Compared Against other Vehicles in the Same Class

Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.

Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below. 

• BMW X3
• Infiniti QX60
• Mercedes-Benz GLC 300

The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.

However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums. 

Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.

However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes. 

You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.